Texas homeowners
Refinance
Lower your rate, shorten your term or access equity by replacing your current loan with a better-fitting one.
What to have ready
Statements for your current mortgage and assets, your homeowners insurance information, and a clear goal: lower payment, shorter term or cash out.
Cash-out in Texas
A cash-out refinance of a Texas homestead is a home equity loan under Section 50(a)(6), with its own limits and waiting period. A rate-and-term refinance without cash out does not fall under those rules.
Eligibility, limits and terms depend on the program guidelines in effect when you apply and on your full application. This page is general information, not a loan offer.
See if I qualifyOther programs
Conventional loans
Flexible, widely used financing for primary homes, second homes and investment properties.
FHA loans
Lower down payments and flexible credit requirements — one of the most accessible paths to owning.
VA loans
$0 down and no monthly mortgage insurance for eligible veterans, service members and their families.